Home Insurance in Port Townsend, Washington
The median home value in Port Townsend is $543,400, close to the Jefferson County median.
The typical home in Port Townsend was built around 1981. About 30% of homes were built before 1960, about 13 points above Jefferson County's 17%. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Port Townsend is 78% single-family homes, 11% apartments in buildings with 5+ units and 5% mobile or manufactured homes.
In Port Townsend, about 46% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Port Townsend has an owner-occupancy rate of 68% and a vacancy rate of 9%; unoccupied homes typically need a different coverage form.
Most homes in Port Townsend - 77% - are primarily heated with electricity. Homes heated with propane and wood can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
FEMA rates Jefferson County's overall risk as Relatively Low, led by earthquake (Relatively Moderate). Jefferson County had 233 active NFIP flood policies as of September 2026. See the full Jefferson County home insurance overview for all FEMA hazard ratings and flood coverage details. Earthquake damage is excluded from a standard homeowners policy.
The statewide average premium for a standard HO-3 homeowners policy in Washington is $1,232 per year, according to the NAIC homeowners insurance report (2023 data).
Key figures
| Median home value | $543,400 |
|---|---|
| Median year built | 1981 |
| Owner-occupied share | 68% |
| Share of owner-occupied homes with a mortgage | 46% |
| Top county hazard | Earthquake (Relatively Moderate) |
| Active NFIP policies in Jefferson County | 233 |
| Home insurance premium | $1,232 - statewide average (NAIC, 2023 data) |
Nearby towns
Sources
Data last updated: 2026-09-29
- U.S. Census Bureau Gazetteer Files (2024)
- U.S. Census Bureau, American Community Survey 2020-2024 5-Year Estimates (2024)
- FEMA National Risk Index (December 2025)
- FEMA OpenFEMA NFIP Redacted Policies v3 (2026)
- NAIC Dwelling Fire, Homeowners Owner-Occupied, and Homeowners Tenant and Condominium/Cooperative Unit Owners Insurance: Data for 2023 (published 2026) (2023)